David Shuberg

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Pros and Cons of Using a Robo-Advisor for Your Retirement Investment

Investing for Retirement Through Robo-Advisors<p>How Online Investment Platforms Could Work for You<p>Updated November 17, 2017<p>For many investors, creating …

Retirement

There's a simple calculation to determine how much you need to have saved before you can retire

Retirement can be an endless summer.<p>If Saturday beach trips and golf games have you dreaming about walking away from your 9-to-5 for good, there's a simple way to calculate how much you need to save to make it happen:<p><b>Your desired retirement income ÷ 4% = How much money you need to retire</b><p>For …

How to clean your granite countertops to keep them shiny and new-looking

According to two 2016 surveys, the kitchen is the room homeowners tend to invest the most money in, and that shows in the decor people choose. There …

The paint colors that will increase your home’s value

<b>From the time of year to the neighborhood, a lot of factors come into play when you’re selling a home. But here’s one variable you might not have</b> …

The best fried chicken in all 50 states

Fried chicken might just be the ultimate food of summer. To find the best deep-fried bird in the country, <i>Mic</i> asked Yelp to identify the best places …

The power of combining frugal savings and compound interest, in one chart

One of things you learn quickly when managing your wealth is how difficult it is to get a decent return on your money without a lot of risk.<p>Getting a 5% or 10% return year-over-year is considered doing well. Investors get really excited over 15% returns.<p>But if I can save 15% or more on things I buy …

The Perfect Portfolio - For Retirees

I recently tabled the Perfect Portfolio that offered very generous risk adjusted returns.<p>The portfolio did well for the accumulator through the last …

10 Dividend Stocks That Will Deliver Double-Digit Returns Every Year

Today we’re going to take a look at 10 dividend stocks that look like solid bets to generate double-digit total returns every year, or at least every …

Investing

How Can I Earn Tax-Free Income? Here Are 9 Ways.

The answer to the "How can I earn tax-free income?" question may surprise you -- because there are actually lots of ways to collect dollars without …

7 Tax Tips to Help Avoid an IRS Audit

It's common for taxpayers to wonder how likely it is that their tax return will be audited, as the prospect of an IRS tax audit is rather worrisome. Here are three bits of good news, though: It's very unlikely that you'll be audited, there are ways to decrease your odds further, and even if you <i>are</i> …

Retirement

Here's some retirement advice from retired financial experts

I asked money experts who have quit the 9-to-5 grind for their best advice on how to prepare for retirement. Making the right financial moves is …

Boost Your Retirement Income With These 10 Tips

Employing just a few of these 10 strategies can significantly boost your retirement income.<p>With fewer and fewer of us able to enjoy traditional …

Staggering retirement and Social Security benefit dates creates complications

<i>Q: I turned 64 in November and I am thinking of calling it quits in one more year, when I turn 65. I will probably still work part time but not earn enough money to affect my Social Security benefit. My understanding from reading my Social Security Administration (SSA) statement is that my benefits</i> …

Retirement

5 Ways Your Retirement Can Easily Be Ruined

Image source: Getty Images.<p>Nearly all Americans share one goal: they want to be able to hang up their work coat after many years in the labor force and know that they're financially set for retirement. Unfortunately, this is a goal that's being reached by a depressingly low number of …

Retirement

How To Generate $112K Of Retirement Income From A $500K Portfolio

Today I’m going to show you an easy way to use the S&P 500 Dividend Aristocrats—companies that have hiked their dividends for 25 straight years or more—to build a durable income stream you can retire on.<p>But before I do, there’s something I need to tell you about these 50 companies, which are …

Investing

Floor And Ceiling Retirement Spending, With A Twist

In a 2013 article, a Vanguard research team headed by Colleen Jaconetti developed an alternative form of the floor-and-ceiling spending rule that relies on percentages rather than hard dollar amounts.<p>With their framework, the ceiling refers to a maximum <i>percentage</i> increase in spending each year, …

Retirement

Dream Destinations: Summit County in the Fall with Mountain Biking Park City

The first snows may have already fallen, and the lifts are no longer carrying bikes to the top, but Park City’s year is far from over. In fact, it’s …

Skiing

Building A Dividend Retirement Portfolio: A Real-Life Story

<b>Building A Dividend Retirement Portfolio: A Real-Life Story by Simply Safe Dividends</b><p>Many of us are managing dividend portfolios designed to deliver …

Selling your home: How to make a great impression with potential buyers

Ready to sell your home? The real estate market is competitive, and buyers can be choosy. In order to woo potential buyers, your house needs to have …

The Single Worst Retirement Investment Today (and 3 Better Buys Now)

It’s an old investing saw that should have been taken out behind the barn years ago.<p>You’ve no doubt heard it before: “As you get closer to …

This Handy Chart FINALLY Explains How to Invest Your Cash

Building an emergency fund according to the 3-6-9 rule, contributing to your 401(k) at work, paying down college debt… getting your head around all of the money stuff you NEED to know (and actually understand) to create a solid financial future can be seriously overwhelming. Adulting is truly …

3 Proven Ways to Increase Your Retirement Income

Image source: Getty Images.<p>Saving for retirement is one of the biggest challenges we face in life. According to the St. Louis Federal Reserve, the current personal household savings rate of 5.7% is half of what it was 50 years ago, and it's markedly lower than most developed countries. Making …

Retirement

How to Get Serious About Creating Retirement Income

Follow these three steps.<p>In a recent survey by the American Institute of Certified Public Accountants, 41% of CPA financial planners said that …

Retirement

If You're Such a Great Investor, Where's Your Alpha?

Beating the market once is hard enough. Doing it consistently is special.<p>Is alpha, the Wall Street term for market-beating returns, sustainable? Or is it a unique, statistical outlier, indistinguishable from random chance?<p>I have been thinking about this a lot, lately. The relentless drumbeat of …

Investing

Best Gift You Could Give Your Kids? A $400 Savings Account

From <i>The Atlantic</i> this morning, most Americans can’t scratch together $400 if they had to according to the Federal Reserve:<p>Since 2013, the federal …

Covered-Call Funds Offer Big Payouts

By selling call options on the stocks in their portfolios, these funds earn extra income.<p>The market's manic moves might have you feeling like the …

Using the 80/20 Rule to Balance Triathlon Training Intensity

The most fundamental variables of triathlon training are volume and intensity. In lay terms, volume is how much you swim, bike, and run and intensity …

Swimming

5 Super Easy Ways to Save More Money

Just think about it, the more you save, the more you have to spend! Kinda.<p>So you're naturally thrifty? Congrats, go hang over there with the morning people and the chocolate haters. The rest of you, make these painless little changes to turn yourself into a saver.<p><b>1. Pick one goal at a time.</b> A new …

Personal Finance

Are You Paying Too Much For Your Retirement Plan Advisor?

<i>Today, the discussion of retirement plan advisors is continued by my colleague Paula Friedman—Managing Director of Employer Retirement Plans at McLean Asset Management. –Wade</i><p>My previous post discussed the differences between a traditional financial advisor that primarily works with individual …

Retirement

5 Roth IRA investing tips that could earn you thousands

The Roth IRA hasn't been around as long as its traditional IRA counterpart, but the tax-free nature of the Roth in retirement opens up some unique opportunities for those willing to add them to their overall retirement savings arsenal. In general, because you don't have to worry about paying taxes …

Retirement